In total, you will get 120% of the sum assured as survival benefits along with the bonuses that insurers declare over time. For instance, if you choose a policy term of 21 years, the insurer will pay 10% of the sum assured chosen at the end of the fourth year, 15% at the end of the eighth year, 25% at the end of the 12th year, 30% at the end of the 17th year and 40% at the end of the 21st year. The survival benefit is tailored to give periodic income. So on death during the policy tenor, your nominee will get the bonus accrued till date along with the capital sum assured. This bonus will be declared as a percentage of the sum assured. This is a participating insurance plan that means depending upon the performance of the investment fund, the insurer will declare a bonus. The death benefit, the amount your nominee gets in case you die during the policy term, is double the sum assured the policy calls the death benefit capital sum assured. Depending upon your choice, the insurer will work out an annual premium. The premium paying term for these policy terms is 10, 12 and 15 years, respectively. There are three policy terms to choose from-14, 17 and 21 years. Zund Design Center 4.You will need to choose a sum assured and the policy term.
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